Dan Moskel asked:




The Centennial card is created for individuals with a low credit score. It is issued by the First Premier Bank a member of the FDIC.

There are easy requirements for approval; however it does carry some fees. This includes a one time $95 fee, an account set up fee of $29, and an annual fee of $48.

These fees will be charged against your available credit. Meaning when you are issued your card, you will have these fees on your balance.

It comes with an initial credit limit of $250, and an APR of 9.9%.

It can come as a MasterCard or Visa; you will decide when you apply. Additionally if you apply online you will have a response to your application within 60 seconds.

When making your monthly on time payments you will create a positive payment history on your credit report.

Additionally your utilization ratio is very important. This is the amount of debt you have compared to your available credit. If you can keep your monthly balance at roughly 30% of you limit it will help the most.

If your card has a limit of $250 then you want to keep the monthly balance around $75. After you have paid on time for 6 months you will be eligible for a limit increase.

The First Premier Bank is a member of the Better Business Bureau. They are located in Sioux Falls, South Dakota and have issued cards to over 3 million people.

Your card is accepted everywhere the Visa or MasterCard logo is seen. You can qualify for the card if you are over 18 years old and have a valid social security number.

Recently we have seen a rise in interest rates even with prime lending. Some rates have jumped to an outrageous 30% without cause, meaning the customer did not pay late.

In sum we suggest you explore all your options for credit if you have made some mistakes. It may be more cost effective to get a secured or prepaid card, and take other steps to repair your damaged score.



secured credit cards

Missy asked:


Okay I got a credit card by mistake about 2 months ago. It was a Bank of America Student Visa Credit Card. I nothing about history so when I got the card I cut it up and closed it over the phone. I never used it. My aunt told me later that it would hurt my credit and that I should have left it opened. I did not know because I know nothing about credit cards. Will my credit score go down? If so, by how much? Please be detailed. I know nothing about this stuff.

visa credit cards

SecCard198 asked:

securedcardstore.com Need an easy approval for a bank secured card? Been looking for a secured visa card to help improve your credit score? A Visa bank secured credit card is in your grasp.

visa credit cards

SecCard198 asked:

securedcardstore.com I know this might sound crazy but when you make your payment dont pay off the entire thing. Get the perks with a bank secured card.

visa credit cards

Morgan Hamilton asked:




In today’s credit-hungry world, the internet has made it easier to obtain credit cards than ever before. There is no more need to wait for an application to arrive unexpectedly in the mail or visit the local mall around the holidays and then mail the application in to the sponsor bank to see if you qualify for this treasured piece of plastic. Today, when you apply for a credit card online, you usually know within minutes if you qualify.

Whether your credit score is at the top of the charts, off the bottom or somewhere in between, there are numerous companies capable of accepting your application online. However, even when you apply online and get immediate approval, having access to instant credit will be rare. Although some retailers and online stores may offer instantly to accept your order once the online application has been approved.

Most companies that allow you to apply for a credit card online feature secure sites to make you feel better about having your personal information whiz through cyberspace. While the information may well be protected against hackers, it also opens the door for an identity thief to steal your information. They will use a different address to which the card will be mailed, but almost immediately after they get their hands on the card, they change the address so you can get the bill.

When applying for a credit card many people fail to read the fine print, often smaller on your computer screen, and wind up with unexpected charges. Some things to look for when you apply for a credit card online include:

Annual Fees Monthly Fees Late Fees Over The Limit Fees Due Dates and Times Interest Rates Balance Transfer Fees Credit Limit Increase Fees

Many times people are fooled by low initial interest rates and no-cost balance transfers and if they accidentally miss a payment, or it arrives a few minutes late, all the fees can be increased and assessed with almost any type of card. The safest move you can make is to read thoroughly the disclosures. It is also a good idea to print them and save them in case you ever have a question about any aspect of charges to your card.

By remaining responsible with your credit use and debt it can provide many benefits. Paying all your monthly bills on time helps protect your credit score and lower interest rates, which can insure a rapid approval when you decide to apply for a credit card online.

online credit cards

BankRate asked:

College is a place where lives change. Knowledge is gained, careers are decided upon…and credit histories are born. With the average college student now graduating with more than $2000 in debt, it’s never been more important to keep a clean credit history and a high credit score. Bankrate.com has some tips on earning extra credit.

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studentcreditcard asked:

studentcreditcardscenter.com presents its first in a series of credit mistakes to avoid. Learn how to avoid pulling a Michael Scott (The Office) and benefit from simple tips to steer clear of credit card debt. The Student Credit Cards Center is dedicated to teaching first time credit card owners how to properly manage their credit and improve their credit score.

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cognitivefun asked:

www.creditcardreliefformula.org If you are trying to get relief from enormous credit card debts, do you need to stop making payments in order to settled credit cards? And if you do, is there a way to rescue your credit score?

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